{"id":106880,"date":"2025-10-20T08:58:45","date_gmt":"2025-10-20T12:58:45","guid":{"rendered":"https:\/\/www.lamacchiarealty.com\/?p=106880"},"modified":"2025-10-20T10:41:25","modified_gmt":"2025-10-20T14:41:25","slug":"a-guide-to-adjustable-rate-mortgages-arms","status":"publish","type":"post","link":"https:\/\/www.lamacchiarealty.com\/a-guide-to-adjustable-rate-mortgages-arms\/","title":{"rendered":"Adjustable-Rate Mortgages: A Comprehensive Guide"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"106880\" class=\"elementor elementor-106880\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-75db9810 elementor-section-height-min-height elementor-section-full_width elementor-section-height-default elementor-section-items-middle\" data-id=\"75db9810\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1fa64d21\" data-id=\"1fa64d21\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1617d4 elementor-widget elementor-widget-heading\" data-id=\"b1617d4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">ADJUSTABLE-RATE MORTGAGES: <br> A COMPREHENSIVE GUIDE<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1cf541fa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1cf541fa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-74755dcd\" data-id=\"74755dcd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91b8c7f elementor-widget elementor-widget-text-editor\" data-id=\"91b8c7f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.lamacchiarealty.com\/buy-a-home\/\">Buying a new home<\/a> is certainly exciting, and there are several decisions you\u2019ll have to make throughout the process. How many bedrooms? What kind of neighborhood? While these are all important questions to consider, one of the most crucial decisions you\u2019ll make is what type of mortgage will work best for you. There are many options to consider,\u00a0one of them being an adjustable-rate mortgage, otherwise known as an ARM. If you&#8217;re not too familiar with ARMs and how they work, this guide will help you decide if it\u2019s the right option for you!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f953bf3 elementor-widget elementor-widget-heading\" data-id=\"f953bf3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What exactly is an Adjustable-rate mortgage (ARM)?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d55895 elementor-widget elementor-widget-text-editor\" data-id=\"0d55895\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An adjustable-rate mortgage (ARM) is a home loan with a variable interest rate. This means that the rate will adjust over time based on what\u2019s happening in the market. To start, the interest rate is lower than typical fixed-rate mortgages, oftentimes called a teaser rate, but after that initial period ends, interest rates &#8211; and therefore your monthly payment &#8211; can go higher or lower. An ARM can be beneficial for buyers looking to get the lowest possible mortgage rate starting out, but long-term budgeting may be difficult once your monthly payments begin to fluctuate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-394307c elementor-widget elementor-widget-heading\" data-id=\"394307c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How it works \u2013 Fixed Period vs. Adjustment Period<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efa53b8 elementor-widget elementor-widget-text-editor\" data-id=\"efa53b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are two different periods throughout the lifetime of an ARM: Fixed and Adjustment.<\/p><p>The <strong>fixed period<\/strong> is the initial, set number of years that the interest rate will not change. In most cases, the fixed period lasts for the first 5, 7, or 10 years of the loan. During this period, your monthly payment will remain the same.<\/p><p>The <strong>adjustment period<\/strong> begins once the fixed period has concluded. During this period, the interest rate and your monthly payment can go higher or lower based on the market.<\/p><p>For example, a 25-year ARM with a 5-year fixed period would mean a fixed rate for the first 5 years and a fluctuating rate for the rest of the loan term.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb6e8b1 elementor-widget elementor-widget-heading\" data-id=\"bb6e8b1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Types of ARM Loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-479c1f2 elementor-widget elementor-widget-text-editor\" data-id=\"479c1f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you decide that an ARM is right for you, there are several options to choose from!<\/p><ul><li><strong>5\/1 ARMs<\/strong> \u2013 This ARM has a 5-year fixed period, and then the rate will adjust once a year during the adjustment period.<\/li><\/ul><p>You may also see this loan written as 5\/1 (2\/2\/5). This means that rate caps are associated with the loans, and this set of numbers illustrates those details.<\/p><ul><li><strong>5\/6 ARMs<\/strong> &#8211; This ARM has a 5-year fixed period, and then the rate will adjust every 6 months during the adjustment period.<\/li><li><strong>7\/1 ARMs<\/strong> &#8211; This ARM has a 7-year fixed period, and then the rate will adjust once a year during the adjustment period.<\/li><li><strong>7\/6 ARMs<\/strong> &#8211; This ARM has a 7-year fixed period, and then the rate will adjust every 6 months during the adjustment period.<\/li><li><strong>10\/1 ARMs <\/strong>&#8211; This ARM has a 10-year fixed period, and then the rate will adjust once a year during the adjustment period.<\/li><li><strong>10\/6 ARMs<\/strong> &#8211; This ARM has a 10-year fixed period, and then the rate will adjust every 6 months during the adjustment period.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d4da8d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d4da8d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a209b2b\" data-id=\"a209b2b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4200ab5 elementor-widget elementor-widget-heading\" data-id=\"4200ab5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pros and Cons to an ARM<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7701d96 elementor-widget elementor-widget-text-editor\" data-id=\"7701d96\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><span style=\"text-decoration: underline;\">PROS<\/span><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59b181d elementor-widget elementor-widget-text-editor\" data-id=\"59b181d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>You could potentially start with the lowest possible interest rate.<\/li><li>With lower monthly payments, there are more opportunities to save money.<\/li><li>It\u2019s a great option for those who plan on moving shortly after buying, typically during the fixed period and BEFORE the rate begins to fluctuate.<\/li><li>It&#8217;s also an option for those hoping that rates will decrease enough during the lower fixed period to refinance to a 30-year fixed before the adjustment period kicks in.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e03157 elementor-widget elementor-widget-text-editor\" data-id=\"6e03157\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><span style=\"text-decoration: underline;\">CONS<\/span><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d679e9 elementor-widget elementor-widget-text-editor\" data-id=\"2d679e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>After the fixed period you could have a very HIGH rate during the adjustment period.<\/li><li>\u00a0You may not be able to save as much if your monthly payments are higher.<\/li><li>Once the adjustment period begins, it\u2019s more difficult to budget for the long term or predict what your future financial standing will be. It may be harder to budget for the goal of wanting to buy a new home.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e9fc740 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e9fc740\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aa4158b\" data-id=\"aa4158b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-83ac0d2 elementor-widget elementor-widget-heading\" data-id=\"83ac0d2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Refinance when you have an ARM<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdb2418 elementor-widget elementor-widget-text-editor\" data-id=\"fdb2418\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Over time, your financial situation can change, and you may realize that your ARM is no longer a good fit. Maybe you need something that is a bit more stable, such as a fixed-rate mortgage. All you need to do is take out a new loan to pay off the original mortgage, and then you start paying off the new mortgage going forward.<\/p><p>Keep in mind that you\u2019ll go through many of the same steps required to get the original mortgage. Be prepared to show proof of your income and build up your credit score to qualify. Additionally, keep an eye on the current market and interest rates to determine if this is the right time to refinance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8008dbe elementor-widget elementor-widget-heading\" data-id=\"8008dbe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do Your Research!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b7607c elementor-widget elementor-widget-text-editor\" data-id=\"6b7607c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Adjustable-rate mortgages can be a great option for borrowers who are comfortable with taking on a bit more risk. If you have strong faith in your ability to repay your mortgage and are confident that you&#8217;ll be able to make higher payments down the line, if necessary, an ARM could help you snag a lower interest rate and save you some money over the life of your loan. Ultimately, it&#8217;s important to do your research and speak with a financial advisor to figure out what type of mortgage is best for you and your unique financial situation.<\/p><p>For information on other types of mortgage options, such as <a href=\"https:\/\/www.lamacchiarealty.com\/what-is-a-buydown\/\">buydowns<\/a> or <a href=\"https:\/\/www.lamacchiarealty.com\/assumable-mortgages\/\">assumable mortgages<\/a>,<a href=\"https:\/\/www.lamacchiarealty.com\/types-of-mortgage-loans\/\"> click here<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fd88e5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fd88e5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e34450d\" data-id=\"e34450d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-85196a3 elementor-widget elementor-widget-heading\" data-id=\"85196a3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Looking to Buy a Home? Lamacchia Realty Will Guide You to Your Success!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3f1f10 elementor-widget elementor-widget-text-editor\" data-id=\"e3f1f10\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our local expert <a href=\"https:\/\/www.lamacchiarealty.com\/agent-search-page\/\">REALTORS\u00ae at Lamacchia Realty<\/a> have the skills, knowledge, and tools to help you succeed in any market, and with any type of mortgage! <a href=\"https:\/\/www.lamacchiarealty.com\/offices\/\">Find a local office<\/a> or <a href=\"tel:855-510-7653\">contact us today!<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9e9f0c elementor-widget elementor-widget-spacer\" data-id=\"c9e9f0c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-623d32e0 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"623d32e0\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-37967aaa\" data-id=\"37967aaa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-515fcdfb elementor-widget elementor-widget-heading\" data-id=\"515fcdfb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Additional Resources<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-43ff96b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43ff96b6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1c30901\" data-id=\"1c30901\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4bb90878 elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"4bb90878\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-104508 post type-post status-publish format-standard has-post-thumbnail hentry category-buyer-resources tag-budget tag-buyers tag-real-estate tag-spring-market\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.lamacchiarealty.com\/nothing-wrong-with-that-house\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2024\/09\/2025-blog-thumbnails-60-300x169.jpg\" class=\"attachment-medium size-medium wp-image-396920\" alt=\"Nothing Wrong\" srcset=\"https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2024\/09\/2025-blog-thumbnails-60-300x169.jpg 300w, https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2024\/09\/2025-blog-thumbnails-60-1024x576.jpg 1024w, https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2024\/09\/2025-blog-thumbnails-60-768x432.jpg 768w, https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2024\/09\/2025-blog-thumbnails-60-1536x864.jpg 1536w, https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2024\/09\/2025-blog-thumbnails-60.jpg 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.lamacchiarealty.com\/nothing-wrong-with-that-house\/\" >\n\t\t\t\tThere is NOTHING Wrong with that House!\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tCole Gargaro\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tSeptember 17, 2025\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.lamacchiarealty.com\/nothing-wrong-with-that-house\/\" aria-label=\"Read more about There is NOTHING Wrong with that House!\" tabindex=\"-1\" >\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4acba39f\" data-id=\"4acba39f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a7c398b elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"4a7c398b\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-103854 post type-post status-publish format-standard has-post-thumbnail hentry category-2107 category-agent-blogs-for-export category-buyer-resources category-seller-resources tag-buydown tag-buying-options tag-low-rate tag-mortgage-rate tag-selling-options tag-what-is-a-buydown\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.lamacchiarealty.com\/what-is-a-buydown\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"158\" src=\"https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2022\/10\/What-is-a-buydown-300x158.png\" class=\"attachment-medium size-medium wp-image-103885\" alt=\"\" srcset=\"https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2022\/10\/What-is-a-buydown-300x158.png 300w, https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2022\/10\/What-is-a-buydown-1024x538.png 1024w, https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2022\/10\/What-is-a-buydown-768x403.png 768w, https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2022\/10\/What-is-a-buydown.png 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.lamacchiarealty.com\/what-is-a-buydown\/\" >\n\t\t\t\tWhat Is a Buydown?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tLamacchia Realty\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tSeptember 26, 2023\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.lamacchiarealty.com\/what-is-a-buydown\/\" aria-label=\"Read more about What Is a Buydown?\" tabindex=\"-1\" >\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2305516a\" data-id=\"2305516a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5431290 elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"5431290\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-101566 page type-page status-publish has-post-thumbnail hentry\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.lamacchiarealty.com\/assumable-mortgages\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"158\" src=\"https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2022\/09\/Assumable-Mortgages-Featured-Image-300x158.jpg\" class=\"attachment-medium size-medium wp-image-101871\" alt=\"Assumable-Mortgages-Featured-Image\" srcset=\"https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2022\/09\/Assumable-Mortgages-Featured-Image-300x158.jpg 300w, https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2022\/09\/Assumable-Mortgages-Featured-Image-1024x538.jpg 1024w, https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2022\/09\/Assumable-Mortgages-Featured-Image-768x403.jpg 768w, https:\/\/www.lamacchiarealty.com\/wp-content\/uploads\/2022\/09\/Assumable-Mortgages-Featured-Image.jpg 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.lamacchiarealty.com\/assumable-mortgages\/\" >\n\t\t\t\tAssumable Mortgages\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tglenn\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tSeptember 21, 2022\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.lamacchiarealty.com\/assumable-mortgages\/\" aria-label=\"Read more about Assumable Mortgages\" tabindex=\"-1\" >\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>ADJUSTABLE-RATE MORTGAGES: A COMPREHENSIVE GUIDE Buying a new home is certainly exciting, and there are several decisions you\u2019ll have to make throughout the process. How<\/p>\n","protected":false},"author":18,"featured_media":399019,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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